John Swaine is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Raymond James Financial Services and managing member roles in multiple LLCs. Outside of advising, he serves part-time as a police officer with the Sebring Police Department. Second Half Financial Partners provides discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation and manages approximately $364 million for over 1,100 clients.

Victor Divietro is a financial advisor with Waypoints Financial in Sebring, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Waypoints Financial since 2009 and previously spent six years with Wfg Investments Inc. Outside of advising, he manages two commercial real estate entities related to office space and property holdings. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, employing fundamental, technical, and cyclical analysis with a range of strategies including borrowing and margin use, and sponsors its own wrap fee program.

George Leidel Jr. is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His background includes roles at Heartland Tax and Accounting, LLC, Leidel Capital, Inc., and Raymond James Financial. Outside of advising, he serves as president or managing member of several holding companies and is involved in tax preparation and IRS representation through Platinum Financial Partners, LLC. Second Half Financial Partners provides discretionary investment management and financial consulting primarily to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation strategies and manages an elevated client load across its team of five advisors.

Thomas Crutchfield is a financial advisor at Waypoints Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at WFG Investments Inc. from 2011 to 2017 before joining Waypoints Financial in 2009. Outside of advising, he serves on the board of Crutchfield Groves, Inc., a holding company for owner-financed properties. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, using fundamental, technical, and cyclical analysis with a range of strategies, including long- and short-term equity positions and margin borrowing.

John Clark is a CFP® with 34 years of industry experience and is currently a financial advisor at Waypoints Financial in Sebring, FL. He previously worked at Wfg Investments Inc from 2011 to 2017. Outside of his advisory role, Clark owns and operates a cattle ranch in Sebring, Florida. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, utilizing fundamental, technical, and cyclical analysis and employing a range of strategies including the use of borrowing and margin where appropriate.

Phillip Statler is a financial advisor at Second Half Financial Partners, LLC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at his own firms and tax service companies since 1998. Statler also serves as president of SFS Tax Services, Inc., providing income tax preparation services. Second Half Financial Partners offers discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, focusing on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios primarily using index ETFs, dividend-paying stocks, and bonds, and manages approximately $364 million across more than 1,100 clients.

Shari Flowers is a financial advisor at Synergy Investment Management LLC with 12 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2013. Synergy Investment Management serves individuals, trusts, estates, businesses, and charitable organizations, managing over $461 million in assets for approximately 1,072 clients. The firm employs a long-term, Modern Portfolio Theory–based approach, utilizing diversified portfolios with mutual funds, ETFs, and other securities, and incorporates proprietary quantitative tools in its investment process.

Michael Fitch is a financial advisor at Merit Financial Advisors with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Second Half Financial Partners, Swaine & Leidel Wealth Services, and Wells Fargo Clearing. He is president of the 3B Foundation LLC, a charity organization in Sebring, Florida. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base, including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable investment sleeves, overseen by a central Investment Management team and Investment Committee.

Ying Sun is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds a Series 66 credential and has worked previously at Decentralized Finance Labs and Wells Fargo Advisors LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by in-house research and broad execution and custody services.

Robert Mourad is a CFP® with 30 years of experience in the financial services industry. He is currently with Galliott Capital Advisors, LLC and Insigneo Securities, having previously worked at UBS Financial Services Inc. for 27 years. Outside of his advisory roles, he is a passive investor in a restaurant business. Galliott Capital Advisors is a family office and investment advisory boutique serving high- and ultra-high-net-worth individuals, families, businesses, and institutional clients. The firm offers discretionary asset management, comprehensive portfolio management, financial planning, and multi-family office services, utilizing a broad range of investment instruments and third-party sub-advisors when appropriate.

Jingyi Ke is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 credentials and two years of industry experience. Prior to joining Citigroup, Jingyi worked at California Pizza Kitchen for four years. Citigroup Global Markets serves individual and institutional clients across wealth management segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including in-house research and futures commission merchant activities.

Stephen Robinson is a financial advisor with Truist Advisory Services in Dallas, TX, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His prior roles include positions at BB&T Securities and RBC Capital Markets. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers discretionary and non-discretionary investment solutions that incorporate model portfolios, third-party managers, and advisor-led asset allocation, supported by research shared across Truist’s affiliated entities.

Huong Christy Nguyen is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds Series 63 and Series 66 designations and has been with Citigroup since 2015. Outside of her advisory role, she assists with social media for a family-owned succulent business in San Jose. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees, with capabilities including exposure to alternative and digital-asset products.

Jonathan Joles is a Series 65-licensed advisor with AE Wealth Management, LLC, where he has worked since 2019. He has six years of industry experience and is also involved with J. Biance Financial as an associate advisor focusing on insurance sales. Prior to his advisory roles, he held positions with Hardee County Family YMCA and Sun'n Lake Improvement District. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and ERISA plan services through a platform that combines models managed internally, by third parties, and by advisors.

Deborah Drummond is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at HSBC Bank and Unified Pet Products, as well as a previous tenure at Citigroup Global Markets from 2005 to 2017. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Srdan Stojic is a financial advisor at Citigroup Global Markets with seven years of industry experience. His career includes roles at Citigroup, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and operates with a large institutional scale, including unique market roles such as swap dealing and futures commission merchant services.

Gabriela Diaz is a financial advisor at Citigroup Global Markets with 23 years of experience at the firm. She holds Series 63 and Series 66 licenses and works out of the San Francisco, CA office. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Qiao Li is a financial advisor at Citigroup Global Markets with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Citigroup in 2026, Li worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2024 to 2025, and spent ten years at Bank of Hebei. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, providing a broad range of discretionary and non-discretionary investment solutions.

Timmy Pham is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and provides bespoke discretionary solutions, leveraging its large institutional scale and specialized market roles.

Darren Taggart is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2017. Prior to that, he was employed by JP Morgan Securities LLC and JP Morgan Chase Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including in-house research and unique market roles such as swap dealing and futures commission merchant services.